| Weiss Ratings |
Citizens Bank
Kilgore, TX |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 4.90 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 4.20 | |||
| Stability Index | 6.50 | |||
| Company Info |
Citizens Bank
Kilgore, TX |
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| FDIC Number | 16817 | |||
| Phone Number | (903) 984-8671 | |||
| Website | www.citizensbanktx.com | |||
| Asset Quality |
Citizens Bank
Kilgore, TX |
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| 1-Year Asset Growth | -0.06% | |||
| 5-Year Asset Growth | 3.66% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.18% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Citizens Bank
Kilgore, TX |
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| Total Assets | 488.81M | |||
| Total Deposits | 441.60M | |||
| Capital and Reserves |
Citizens Bank
Kilgore, TX |
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| Capital | 33.29M | |||
| Leverage Ratio | 6.90 | |||
| Loan Loss Reserves to Loans | 2.49% | |||
| Risk-Based Capital Ratio | 11.37 | |||
| Liquidity |
Citizens Bank
Kilgore, TX |
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| Hot Money Ratio | 21.37% | |||
| Liquidity Ratio | 32.03% | |||
| Profitability |
Citizens Bank
Kilgore, TX |
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| 5-Year Return on Average Assets | 0.64% | |||
| Net Income | 1.97M | |||
| Net Interest Spread | 4.35% | |||
| Operating Profit to Average Assets | 1.00% | |||
| Overhead Efficiency Ratio | 75.82% | |||
| Return on Assets | 0.78% | |||
| Return on Equity | 9.11% | |||